WalletHub, Financial Company
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No, you cannot insure or drive a car with a salvage title in Texas, as salvage vehicles are cars that have been declared a total loss. On the other hand, you can get coverage on a previously salvaged car if you have it repaired and inspected by a state-certified mechanic, enabling you to get a rebuilt title.
If a previously salvaged car is declared safe to drive, the DMV will issue the car a rebuilt title. Several insurance companies, including Allstate and Geico, sell policies to vehicles with a rebuilt title.
How to Register a Rebuilt Salvage Vehicle in Texas
- Submit your salvage title.
- Complete an Application for Texas Certificate of Title and a Rebuilt Affidavit.
- Provide proof of ownership, auto insurance, and vehicle inspection.
- Pay any appropriate title and registration fees.
Keep in mind that some insurers will only sell liability insurance for rebuilt cars, meaning that they won’t pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it’s totaled again.
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